| Term | Meaning |
|---|---|
| AUSD | Agora’s US dollar stablecoin, Matocard’s only onchain currency. 6 decimals |
| Available credit | Limit minus what you owe |
| Card hold | The wait before a card top-up counts toward the limit |
| Cash-out | Turning AUSD into rupiah in an Indonesian bank account |
| Collateral | What you deposited, held as yield-vault shares. Secures your limit |
| Collateral ratio | Collateral needed per unit of credit: 150% at score 0, 80% at score 100 |
| Cycle | From the first draw to repaying to zero. Qualifying cycles raise the score |
| Default | A cycle unpaid after due date plus grace. Collateral worth the debt is seized |
| Draw | Borrowing against your limit, to any address |
| Drip | The one-time MON a verified account receives for network fees |
| ERC-3009 | A token standard for transfers signed offchain and submitted by anyone; how sends are gasless |
| ERC-4626 | The tokenized vault standard, used for the collateral vault and the lender pool |
| Identity hash | A keyed hash of a document’s country, type and number; the only identity data onchain |
| Indexer | Envio HyperIndex, turning contract events into history and records |
| Limit | Collateral value ÷ collateral ratio |
| MON | Monad’s gas token |
| Passkey | A login key kept by your phone and unlocked with fingerprint or Face ID |
| Pending shares | Collateral still in the card hold |
| Quote | An exchange rate locked for 60 seconds |
| Relayer | Matocard’s service key that submits backend transactions and pays gas |
| Score | 0 to 100: Record + Consistency + Volume |
| Settle | Repaying everything you owe |
| Treasury | Matocard’s account that holds the AUSD backing fiat flows |
| Yield fee | 20% of collateral yield, kept for lenders |
Reference
Glossary
The words these docs use.